# Best Jumbo Mortgage Lenders in Atlantic City

**As of:** 2026-05-22

Compare the top Jumbo mortgage lenders in Atlantic City. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/atlantic-city/best-mortgage-lenders/jumbo-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 73
- **Total Loans:** 4,367
- **Median Rate Spread:** 0.39280281690140845%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Citizens Bank, National Association | 89 | 68 | 69 | 203 | Bank |
| 2 | OceanFirst Bank, National Association | 89 | 69 | 82 | 201 | Bank |
| 3 | U.S. Bank National Association | 89 | 88 | 76 | 126 | Bank |
| 4 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 94 | Bank |
| 5 | Bank of America, National Association | 89 | 90 | 80 | 56 | Bank |
| 6 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 118 | Independent Mortgage Company |
| 7 | Manufacturers and Traders Trust Company | 85 | 80 | 79 | 47 | Bank |
| 8 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 364 | Independent Mortgage Company |
| 9 | Morgan Stanley Private Bank, National Association | 83 | 96 | 75 | 30 | Bank |
| 10 | Citibank, National Association | 83 | 95 | 69 | 18 | Bank |
| 11 | UBS Bank USA | 83 | 85 | 71 | 11 | Bank |
| 12 | Valley National Bank | 80 | 66 | 74 | 36 | Bank |
| 13 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 69 | Independent Mortgage Company |
| 14 | TD Bank, National Association | 79 | 51 | 72 | 62 | Bank |
| 15 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 47 | Bank |
| 16 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 208 | Independent Mortgage Company |
| 17 | PNC Bank, National Association | 73 | 53 | 68 | 26 | Bank |
| 18 | Fulton Bank, National Association | 73 | 47 | 67 | 19 | Bank |
| 19 | Prosperity Home Mortgage, LLC | 71 | 35 | 62 | 153 | Independent Mortgage Company |
| 20 | Univest Bank and Trust Co. | 64 | 58 | 49 | 12 | Bank |
| 21 | Wilmington Savings Fund Society, FSB | 53 | 16 | 74 | 22 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Atlantic City.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.